Lake County property record for 4660 River St, Willoughby, OH 44094
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 1,797 sqft · built 1878 |
| Lot Size | 1.72 acres (74,923 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $399,800 (Jun 2010) |
| Tax Bill | $13,295 (2023) |
| Deeds & Mortgages | Oct 2021 Line of Credit Oct 2021 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-A-019-0-00-012-0 |
| Primary APN | 27-A-019-0-00-012-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,797 sqft Living Area |
| Gross Area | 2,407 sqft |
| 1st Floor Area | 1,457 sqft |
| Attic | Attic |
| Attic Area | 232 sqft |
| Basement Area | 322 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1878 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 74,923 sqft (1.72 acres) |
| Garage Type | Detached |
| Garage Area | 800 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Frame Porch |
|---|---|
| Porch Area | 762 sqft |
| Deck Area | 56 sqft |
| Patio Area | 504 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4660 RIVER ST |
|---|---|
| City | WILLOUGHBY |
| State | OH |
| Zip | 44094-7819 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-100 |
| Legal Description | LOT 3 TRACT 13 PART OF LOT 128 |
| Legal Subdivision | WILLOUGHBY HIGHLANDS SUBDIVISION |
| Legal Tract | 13 |
| Legal Block | 2 |
| Legal Lot Number | 3,128 |
| Jurisdiction | LAKE OH |
| Township / Civil Division | WILLOUGHBY |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 201400 |
Source: Lake County records, as of December 30, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4660 RIVER ST, WILLOUGHBY, OH 44094-7819 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Oct 26, 2021 | Intrafamily Transfer, Transfer · Line of Credit THE MIDDLEFIELD BANKING CO |
| Oct 26, 2021 | Intrafamily Transfer, Transfer |
| Oct 30, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/PA |
| Nov 13, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/PA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2010 · Amount on Record |
| Deed Sale | Jun 30, 2010 · Amount on Record |
| Prior Sale | May 23, 1989 · Amount on Record |
| Deed Document Number | 201014399 |
| Last Transfer Date | Oct 18, 2021 |
| Transfer Doc | 0000037887 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Oct 26, 2021 |
| Property Address | 4660 RIVER ST, WILLOUGHBY, OH 44094-7819 |
| Document Number | 0000037888 |
| Instrument Date | Oct 18, 2021 |
| Instrument | 2021R037888 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 4660 RIVER RD, MENTOR, OH 44060 |
| Document Number | 0000037753 |
|---|---|
| Date | Oct 26, 2021 |
| Instrument | 2021R037753 |
| Name | THE MIDDLEFIELD BANKING CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE OH |
| Recording Date | Oct 26, 2021 |
| Property Address | 4660 RIVER ST, WILLOUGHBY, OH 44094-7819 |
| Document Number | 0000037887 |
| Instrument Date | Oct 18, 2021 |
| Instrument | 2021R037887 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4660 RIVER ST, WILLOUGHBY, OH 44094-7819 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 4660 RIVER ST, WILLOUGHBY, OH 44094-7819 |
| Document Number | 0000035205 |
| Instrument Date | Oct 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 4660 RIVER ST KIRTLAND OH 440947819, KIRTLAND, OH 44094-7819 |
| Document Number | 0000035205 |
|---|---|
| Date | Nov 25, 2020 |
| Instrument | 35205 |
| Name | FIRST NAT'L BK/PA |
|---|---|
| Type | Bank |
| Address | MENTOR, OH 44060 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE OH |
| Property Address | 4660 RIVER ST, WILLOUGHBY, OH 44094-7819 |
| Document Number | 0000029819 |
| Instrument Date | Nov 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 4660 RIVER ST WILLOUGHBY OH 440947819, WILLOUGHBY, OH 44094-7819 |
| Document Number | 0000029819 |
|---|---|
| Date | Nov 26, 2018 |
| Instrument | 29819 |
| Name | FIRST NAT'L BK/PA |
|---|---|
| Type | Bank |
| Address | MENTOR, OH 44060 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Nov 25, 2025 |
| Rate Type | Adjustable Rate |
|---|
Source: Lake County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Lake County |
| Municipality | Willoughby City |
| Unified School District | Willoughby-Eastlake City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $178,830 (+27.35%) Land $54,760 Building $124,070 | $510,930 (+27.35%) Land $156,450 Building $354,480 | |
| 2023 | $13,295.00 (+54.75%) Homeowner's exemption | $140,420 (-) Land $43,720 Building $96,700 | |
| 2022 | $8,591.00 Homeowner's exemption | $140,420 Land $43,720 Building $96,700 | |
| 2021 | $401,200 Land $124,910 Building $276,290 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective December 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 5 (1978–2017) |
| Most Recent Claim | May 2017 · other causes |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 78% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE COUNTY WEST WATER SUBDISTRICT serves 78,379 people · EPA ID OH4302411 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 318 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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